1.
credit limit; usage limit (amount); spending cap
The maximum amount that a user is permitted to charge, withdraw, or spend — most commonly the credit limit on a credit card, but also used for debit cards, prepaid cards, point services, and other usage-based accounts.
利用限度額は50万円です。
The credit limit is 500,000 yen.
I've already hit my credit limit for this month, so I can't use the card.
Composed of 利用 (use, utilization), 限度 (limit), and 額 (amount, sum). The standard term used on credit card statements, banking apps, and service contracts in Japan to refer to the maximum chargeable or usable amount.
Usage
Most commonly seen in the context of credit cards (クレジットカード), where it refers to the cardholder's credit limit. Also used for debit cards, prepaid cards, electronic money services, and subscription-style services that have a usage cap.
Common collocations
- 利用限度額を超える: to exceed the credit limit
- 利用限度額に達する: to reach the credit limit
- 利用限度額を引き上げる / 増額する: to raise the limit
- 利用限度額を引き下げる: to lower the limit
- 利用限度額の設定: setting of the limit
Similar words
- 限度額: limit amount — the more general term; 利用限度額 specifies that it is a use/spending limit
- 与信枠: credit line — the bank-side term for the credit extended to a cardholder; more technical
- 利用可能額: available credit — the amount currently available to spend, i.e., the limit minus what has already been used